Credit Risk Analyst

4 weeks ago

Sydney, New South Wales, Australia Paxus - Technology + Digital Talent Full time
The Credit Risk Analyst is responsible for assessing credit applications from new and existing customers, ensuring accuracy, compliance, and a smooth process. We specifically require experience with R, SQL, and Python.

Key Responsibilities:

1. Credit Risk Assessment

- Evaluate credit applications for new/existing customers to determine their creditworthiness.
- Analyze customer data, credit reports, and existing account history to assess risk.
- Ensure all assessments comply with relevant laws (e.g., Privacy Laws, Trade Practices Act, Credit Act).
- Review and audit accounts activated outside the company's guidelines and provide feedback to managers.

- Fraud and Risk Mitigation

- Use analytical tools and resources like credit bureaus, customer databases, and external agents to detect and minimize risks.
- Investigate customer documentation and ensure compliance with company policies.
- Conduct thorough assessments to reduce bad debt and fraud losses.

- Team Collaboration and Reporting

- Work closely with internal teams such as Billing, Collections, and Customer Success, and provide updates to managers on account decisions.
- Create monthly reports to track credit approvals/declines and identify process improvements.

- Customer and Dealer Interaction

- Communicate effectively with dealers and customers to provide timely updates on credit applications.
- Handle queries professionally and ensure low levels of complaints/escalations.

Skills and Requirements:

- Strong understanding of credit risk assessment practices and tools.
- Experience with R, SQL, and Python.
- Excellent analytical and investigative skills in credit and risk evaluation.
- Attention to detail to identify discrepancies in documentation and data.
- Ability to make decisions on creditworthiness based on customer data and financial analysis.
- Comfortable applying business rules and criteria to manage risks.
- Knowledge of company's policies and legal obligations (e.g., PCI rules, TIO regulations).
- Effective communication skills to provide high-quality service and resolve issues at first contact.

To be considered for the role, click the 'apply' button or for more information about this and other opportunities, please contact Elsa Ambrosini at 0452426715 or email: eambrosini@paxus.com.au and quote the above job reference number.

Paxus values diversity and welcomes applications from Indigenous Australians, people from diverse cultural and linguistic backgrounds, and people living with a disability. If you require an adjustment to the recruitment process, including the application form in an alternate format, please contact me at the above contact details.

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